I have been married for 2 years now. My in laws are creating a huge problem between me and my husband. They are ruining my marriage. Its been 2 years and they have only created problems. They are completely financially dependant on me and my husband as my father in law is retired and my mom in law is a house wife. I am an indian female and its pretty common for a couple to stay with in laws in this country. When I married, I never thought of making my husband get separted from his parents like a good wife. I tried for 2 years. In these 2 years, I have completely financially supported the house, taken a huge personal loan to pay off my father in laws credit cards debts, even before marriage gave a huge amount to help them in one of their personal problems, running the household completely on my shoulders for the last 5 months as my husband got laid off. But my in laws always criticize me, complaint to my parents, insult them, they always tell my parents that I am good for nothing, don’t help my mother in law in the household work etc., always compare me with their good for nothing daughter who is married and stays close by and always interferes in our family life, etc. etc. I work in night shifts work for 12 hours, in the night and sleep during the day. There is no time for me to help my mom in law. But even after financially doing so much there is no appreciation. My parents are sick and tired of listening to my complaints. So far my husband used to support me in everything, but recently his parents had an argument with my parents since they were sick and tired of listening to my complaints from them. And this time, my husband is completely trusting his family and his sister who are nothing but a bunch of liers. I am devastated, don’t know where to go. I am very determined that I can’t stay with my in laws anymore. My husband refuses to move away from his parents. But his parents are ruining our marriage. I can’t take it anymore. My husband has now got a job in a different city and is moving out there. He has told me that he will choose his parents over me, will take his parents with him to that city and will make sure I am left alone here and he will make me stay with my parents.
I really don’t know where to go. I know my husband will choose his parents over me. And I just can’t take it anymore. Living with them is a living hell. Even his sisters’ husband( My in laws -son in law) hates them, as he has done the same in his family too. He has stopped visiting them for this reason.
Also, I am taking all this crap for another reason and that is that this is my second marriage. My ex husband was cheating on me which is why we decided to part ways.
In my culture divorce is really looked down upon, and if it doesn’t work this time, my parents are going to be devastated. They say they are with me but I know they are very scared, they have 4 more daughters to take care of.
I feel like ending my life so that all this pain comes to an end, atleast my parents will not have to go through another mess because of me. I really don’t know what to do..where to go. But I can’t take it anymore please help
Archive for the ‘Pay Day Loan Laws’ category
My marriage is on the verge of breaking up?
May 27th, 2010
I started a company with my friend. We each put in $10,000 into the company. He put in $10,000 cash and ….
May 26th, 2010I took out a personal loan for $10,000 from his parents. We each had 50% ownership in the company. I subsequently defaulted on the loan after paying $5,500 back. I am no longer a participant in the company.
The loan agreement with his parents said “If the undersigned fails to make a required payment by the 15th day of any month, the note will be considered in default. The undersigned agrees to pay all reasonable legal fees and costs of collection to the extent permitted by law if default occurs. This note shall be enforced in accordance with the laws of the State of Florida.”
I have several questions:
1) Based on the above agreement I signed (very informal personal agreement), do I still have a right to the part of the company that I did pay for ($5,500/$20,000) or 27.5%?
2) I bought the original domain name on my credit card. I gave him access to the domain name. Now he somehow locked me out of Go Daddy. Do I have a right to the domain name and do I still own the domain?
Will my credit scores allow me to get a mortgage at a goord rate?
May 25th, 2010My question is will I be able to get a mortgage with good rates with the scores I have now?
I am 23 and my credit scores are: 582 Trans Union, 552 Experian, and 545 Equifax.
I have a number of medical bills that went to collection while I was in colllege. I have been paying those medical bills back a little at a time (I have a payment plan with the collection agency). And have two 30 days late (almost a year ago) on my car loan, and a 60 days late on a student loan.
I recently applied for a new secured credit card (which I hope to receive any day) and have been listed as an authorized user on my cousin’s credit card. My cousin has had her credit card for 2 yeas and has never been late.
I am currently working with a law firm that has actually gotten 6 items deleted from the three reports. So, my scores are a little better than they were.
I just feel that it is not right to be punished for getting sick (I had cancer) and not having insurance.
My current scores are 559 TransUnion, 618 Experian, and 557 Equifax.
The reason the Experian score is so much higher is that a new revolving account (my cousin’s credit card) has reflected on that report. I am expecting the credit card to reflect on the other reports soon.
If the other scores jump anything like the Experian score, I expect the others to be around 610.
I was 11 days late with my car payment they sent one of there representatives to my house is that legal?
May 24th, 2010My car payment was due on the 14th it’s was money gram on the 25th on the 29th they sent one of there collection people to my house. Saying I owe interest on my law which I refuse to pay. When I’m one day late this finance company calls my house, my job my family even when I tell them my payment is gonna be late they still harass me until the payment is made, and this time they sent someone to my house to collect a payment that was already paid. My account was transfered to one of there other offices and I’ve never paid any interest payment up front on my loan. I told them to stomp call my job and my family members, my job has even told them to stop calling my place of work and they continue to call. I know to stop the calls is to pay my payment on time, but things happen as everyone knows. Do you know what she told me. Get someone to pay the loan off and they will stop harassing me. Can they do this legally by sending someone to my house like that. It’s not in my contract and I told them to send me a copy showing me they can do this. I’m in New Jersey.,
BOA. Major problems loan modification! Has this happened to anyone else?
May 23rd, 2010Bank of America (BOA) is telling us one thing and doing another. It is driving me NUTS. Please read the following few sentences:
“Except in . . . GA, HI, MO, and VA (I live in FL) . . .the Servicer (or BOA) will suspend any scheduled foreclosure sale, provided I continue to meet the obligations under this plan, but any pending foreclosure action will not be dismissed and may be immediately resumed from the point at which it was suspended if this plan terminates, and no new notice of default . . . will be necessary to continue the foreclosure action . . . ”
We are currently in the foreclosure process. BOA offered a loan modification trial period. The above paragraph is from the loan modification document. We had to return requested documents by a certain date. Done. We have to make 3 payments on time. They rec’d the payment before the paperwork. First payment done.
A week after paying/signing, I start getting additional copies of court filings from the legal group representing BOA. One is asking for summary judgment. I call the group and explain the papers that were signed and ask them to call BOA. I call BOA the same day and tell them that the foreclosure hasn’t been suspended. They said they would call the law group. Four days later I receive another legal filing. I call BOA again. They said they didn’t know why the foreclosure was still going on because they had told the law group 25 days before, to suspend the proceeding because of the modification. I call the law group again. They said that the agreement that was signed between my husband, I and BOA would not stop the foreclosure proceedings. They said BOA (who is the loan servicer) had no authority to suspend foreclosure. Only Freddie Mac did. So I called Freddie Mac. They say they have no problems proceeding with the foreclosure, as long as the house wasn’t sold.
I have a major problem with this. First of all the Freddie Mac insignia is on the contract. If Freddie Mac’s copyrighted picture is being used without their permission then BOA needs to be sued for copyright infringement.
The above paragraph says that if I don’t fulfill the contract the foreclosure would be “resumed”. I don’t know what dictionary Freddie Mac/the law group is using, but how can something be “resumed” if it was never stopped int the first place??? The paragraph doesn’t say that the proceeding would continue up to the sale of the house. It didn’t specify that the scheduling of the foreclosure sale was the point that the foreclosure would be paused or resumed from. It was ambiguous on where the point is, leaving me to believe that since it isn’t specified, it should be suspended now. It does say that the foreclosure wouldn’t be dismissed. I do understand the difference between a dismissal and a suspension.
At the beginning of the first paragraph it also states that the authority to suspend the foreclosure rests with the “Servicer.” It didn’t say Freddie Mac.
What is the truth?? Is this fraud???
This is a replay of what happened before. I was told that I had a forbearance. I rec’d an acceleration of the note DURING the forbearance. BOA said that during the forbearance they wouldn’t pursue any collection action. They told me it was just a formality. Well if an acceleration of the note isn’t part of the collection process, then I don’t know what is.
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